Berkshire Hathaway Inc (BRK-A)vsX Financial Class A (XYF)
BRK-A
Berkshire Hathaway Inc
$733,550.00
+2.11%
FINANCIAL SERVICES · Cap: $1.02T
XYF
X Financial Class A
$4.71
-4.46%
FINANCIAL SERVICES · Cap: $188.34M
Smart Verdict
WallStSmart Research — data-driven comparison
Berkshire Hathaway Inc generates 4814% more annual revenue ($375.39B vs $7.64B). BRK-A leads profitability with a 19.3% profit margin vs 19.2%. XYF trades at a lower P/E of 1.3x. BRK-A earns a higher WallStSmart Score of 61/100 (C+).
BRK-A
Buy61
out of 100
Grade: C+
XYF
Buy54
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Earnings expanding 119.6% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Generating 5.5B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 43.9%
Conservative balance sheet, low leverage
Generating 1.4B in free cash flow
Areas to Watch
4.4% revenue growth
Expensive relative to growth rate
Smaller company, higher risk/reward
Revenue declined 14.1%
Earnings declined 81.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : BRK-A
The strongest argument for BRK-A centers on Market Cap, Price/Book, EPS Growth. Profitability is solid with margins at 19.3% and operating margin at 14.3%.
Bull Case : XYF
The strongest argument for XYF centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 19.2% and operating margin at 43.9%.
Bear Case : BRK-A
The primary concerns for BRK-A are Revenue Growth, PEG Ratio.
Bear Case : XYF
The primary concerns for XYF are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
BRK-A profiles as a value stock while XYF is a declining play — different risk/reward profiles.
BRK-A carries more volatility with a beta of 0.62 — expect wider price swings.
BRK-A is growing revenue faster at 4.4% — sustainability is the question.
BRK-A generates stronger free cash flow (5.5B), providing more financial flexibility.
Bottom Line
BRK-A scores higher overall (61/100 vs 54/100), backed by strong 19.3% margins. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Berkshire Hathaway Inc
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Berkshire Hathaway Inc. is an American multinational conglomerate holding company headquartered in Omaha, Nebraska, United States. The company wholly owns GEICO, Duracell, Dairy Queen, BNSF, Lubrizol, Fruit of the Loom, Helzberg Diamonds, Long & Foster, FlightSafety International, Pampered Chef, Forest River, and NetJets, and also owns 38.6% of Pilot Flying J; and significant minority holdings in public companies Kraft Heinz Company (26.7%), American Express (18.8%), The Coca-Cola Company (9.32%), Bank of America (11.9%), and Apple (6.3%).
Visit Website →X Financial Class A
FINANCIAL SERVICES · CREDIT SERVICES · China
X Financial offers personal finance services in the People's Republic of China. The company is headquartered in Shenzhen, the People's Republic of China.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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